North Haven, CT · Charter 68511
NCUA · 10 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
18
Asset Quality
65
Profitability
15
Liquidity
23
Efficiency
13
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
North Haven, CT · Charter 68511
NCUA · 10 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.22% | 0.31% | 0.36% | 0.19% | 0.41% | +19 bps | |
| Return on Equity | 2.48% | 3.36% | 3.81% | 1.99% | 4.33% | +185 bps | |
| Net Interest Margin | 2.22% | 2.29% | 2.40% | 2.52% | 2.57% | +34 bps | |
| Efficiency Ratio | 82.91% | 82.91% | 82.42% | 87.71% | 81.72% | -119 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.37% | 1.66% | -1.63% | -0.12% | 0.07% | -230 bps | |
| Loan Growth (YoY) | -0.19% | -0.73% | -2.83% | -2.35% | -1.28% | -109 bps | |
| Share Growth (YoY) | 0.87% | -1.88% | -1.36% | -0.33% | 1.46% | +59 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.72% | 0.75% | 0.74% | 0.55% | 0.56% | -16 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.99% | 9.17% | 9.48% | 9.39% | 9.43% | +44 bps | |
| Net Worth / Assets | 8.99% | 9.17% | 9.48% | 9.39% | 9.43% | +44 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 101.83% | 103.54% | 101.72% | 99.07% | 99.08% | -275 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
North Haven, CT · Charter 68511 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 10 branches
Q2 2026
Return on Assets
0.41%
Rank 364 of 435
Net Interest Margin
2.57%
Rank 393 of 435
Efficiency Ratio
81.72%
Rank 381 of 435
Equity / Assets
9.43%
Rank 356 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.41% | 0.55% | 0.81% | 1.14% | Beats 16% | 364 / 435 | |
| Return on Equity | 4.33% | 5.12% | 7.41% | 9.70% | Beats 19% | 353 / 435 | |
| Net Interest Margin | 2.57% | 3.01% | 3.39% | 3.75% | Beats 10% | 393 / 435 | |
| Efficiency Ratio | 81.72% | 65.25% | 71.39% | 77.86% | Beats 13% | 381 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.56% | 0.45% | 0.69% | 1.05% | Beats 65% | 155 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.43% | 9.81% | 10.84% | 12.63% | Beats 18% | 356 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.43% | 9.81% | 10.84% | 12.63% | Beats 18% | 356 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 99.08% | 78.33% | 88.38% | 95.61% | 82nd pctl | 78 / 435 | |
| Loans / Assets | 84.54% | 67.69% | 74.58% | 80.80% | 89th pctl | 49 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||